Updated March 2026
State Requirements
North Dakota requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. The state also mandates $25,000 uninsured motorist bodily injury coverage and $25,000 underinsured motorist coverage. SR-22 filing is triggered by DUI convictions, driving without insurance, excessive violations within a specific period, or license suspensions for traffic offenses. High-risk drivers should understand that carrying only state minimums may be insufficient if a serious accident occurs while the SR-22 requirement is active.
Cost Overview
High-risk auto insurance in North Dakota costs significantly more than standard policies due to violation history, SR-22 filing requirements, and limited carrier competition in the non-standard market. Drivers with DUIs face the steepest increases—typically 80–150% above standard rates—while those with minor violations or lapses may see 30–70% increases. Rates vary widely by location, with Fargo and Bismarck residents often paying higher premiums than rural drivers due to accident frequency and claims density.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 80–150%, while minor speeding tickets or lapses add 20–50%
- SR-22 duration remaining: Rates may decrease slightly in years 2–3 of the requirement if no new violations occur
- Location: Fargo and Bismarck average 15–25% higher premiums than rural areas due to accident and theft rates
- Age and gender: Male drivers under 25 with SR-22 requirements face compounded rate increases of 100–200%
- Credit history: North Dakota allows credit-based insurance scoring, which can further elevate rates for high-risk drivers with poor credit
- Vehicle type: Newer or high-value vehicles require comprehensive and collision, increasing total premium cost by 40–80% over liability-only
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the North Dakota DOT. Required for DUI, uninsured driving, or license suspension. The filing itself costs $15–$50, but premiums increase significantly due to high-risk classification.
Liability Insurance
Covers injuries and property damage you cause to others. North Dakota's 25/50/25 minimums are low relative to medical costs and vehicle values—exceeding these limits in a serious accident can result in wage garnishment or asset seizure.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. North Dakota requires $25,000 per person in uninsured motorist bodily injury coverage, matching the state liability minimum.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers accept higher risk but charge elevated premiums and may impose restrictions like higher deductibles or monthly payment requirements.
Comprehensive Coverage
Covers hail, theft, vandalism, and animal strikes. North Dakota ranks among the top states for hail damage claims and deer collisions, particularly in rural counties.
Collision Coverage
Pays for damage to your vehicle in an accident, regardless of fault. Lenders require collision if you finance or lease, and many SR-22 carriers mandate it for high-risk drivers.
